This is for the long-game investors — the ones building cashflow and legacy through rentals. Inside we’ll talk about: How to analyze duplexes, triplexes, and fourplexes 🔍 Creative financing strategies 💡 Systems for management and scaling 📈 How to leverage equity to grow faster 🔑 The goal? To help you build financial freedom one property at a time. 👉 Start by introducing yourself and sharing: What’s your buy-and-hold goal over the next 12 months?

🔥 First Thanksgiving Excuse of the Week Just Hit… at 9:55 AM on a MONDAY 😂🦃 Alright everybody… it has officially begun. Just got my first “Thanksgiving excuse” on the phones and it’s not even 10am. On a Monday. A full four days before the holiday. 😅 Get ready — this is the week where sellers, contractors, lenders, and literally everyone’s mother magically becomes unavailable because of “the holiday.” Here’s the real question: 👉 What are YOU going to do to overcome the holiday objections? 👉 How are you keeping momentum while everyone else slows down? 👉 Are you using this week as an excuse… or as an advantage? This is the time when most investors tap out — and that’s exactly why this week is one of the best weeks to be on the phones. Let’s hear it: How are you overcoming the Thanksgiving slowdown this year? Drop your ga me plan below. 👇🔥

The exact script I used to lock up not one… but TWO off-market fourplexes from owners who weren’t even thinking about selling. No agents involved. No competition. No bidding war. Just me → making a simple phone call → using a script so clean and effective it kept every landlord on the phone long enough for me to get: ✔️ a real conversation ✔️ a yes or no ✔️ and most importantly… their price Both deals closed. Both were off-market. And both came from THIS phone script. This is the same script I use today when I’m cold calling landlords for flips, creative deals, and off-market multifamily. If you want this script word for word, 👇 DM me “SCRIPT” down below. I’ll send it to you directly.

Here’s the detailed breakdown of the top HELOC options for investors, now including Loan‑to‑Value (LTV or CLTV), average interest rates, and draw periods wherever available: --- 1. Quorum Federal Credit Union – Investment HELOC LTV / CLTV: Up to 95% combined LTV for second‑lien HELOCs in select states. First‑lien HELOCs offer up to 90% max LTV. Interest Rates: Variable rate based on Prime index plus margin. Floor APR around 4.95%, ceiling at 18%. Rate discounts available (e.g., checking account or CD balances) . Draw Period: No specific required draw at closing, and typical HELOC structure—likely a standard 10‑year draw followed by repayment—but exact draw duration isn’t stated. --- 2. PNC Bank – Choice HELOC (Investor Option) LTV / CLTV: Not explicitly stated in sources; likely conventional ~80‑90%, with variations based on credit and property. Interest Rates: APR ranges from approximately 8.68% to 16.35%, variable or fixed. Discounts include 0.25% for autopay or early months. Draw Period: 10 years. --- 3. PenFed Credit Union (Specific LTV, rates, draw period data for investors not found in sources; falls back on prior ranking) LTV / CLTV: Not available in reviewed sources. Interest Rates: Rates generally start around 7.625% but may vary. Draw Period: Not specified in available sources. --- 4. Connexus Credit Union (Again, details limited in sources) LTV / CLTV: Not listed. Interest Rates: Not specified. Draw Period: Not specified. --- 5. National Banks (Wells Fargo, BofA, U.S. Bank, etc.) (General category—individual specifics vary by bank) LTV / CLTV: Typically limited to standard 80–90%; stricter for investment properties. Interest Rates: Not specified here; usually higher for non-owner-occupied properties. Draw Period: Generally around 10 years, but depends on each bank. --- Summary Table Lender / Option LTV / CLTV Interest Rate (APR) Draw Period Quorum FCU – Investment HELOC Up to 95% (2nd lien); 90% (1st lien) Floor ~4.95%, ceiling 18%, Prime-based Standard (~10 yr; not explicitly stated)